Ameritas PPO Dental
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Ameritas - Dental Plans Overview

Ameritas Dental Plans

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Ameritas is one of the nation's leading providers of dental care services with over 3.5 insured members nationwide. Dental coverage is available for individuals and families, with 3 plan options to choose from.

If you're looking for an individual dental PPO plan that offer similar benefits to a group dental plan, an Ameritas Dental Plan is for you. It provides coverage for everything an employer plan would - preventive care coverage for cleanings and X-rays, crowns, bridges, and fillings.

Although you can see any dentist you choose, you will receive the maximum plan benefits for using an Amertias dental provider. If you visit a non-network dental provider, the plans reimburse at the 90th percentile of usual & customary prices. This means that 9 out of 10 dentists in a given zip code do not charge more than Ameritas' reimubursement amount, a very rare and generous benefit that minimizes or eliminates balance billing.

Plan Highlights include:

  • No waiting periods for any services if you enroll within 30 days of leaving a group plan
  • Freedom to use any dentist
  • 100% coverage for preventive services
  • Available for all ages including seniors over 65
  • Choice of 3 plan options with an annual maximum benefit of $1,500
  • Dental Rewards included in all plans - increase your annual maximum by submitting at least one dental claim per year and keeping your total paid claims for the year at or below the Threshhold Amount: $250 for Plans 1 and 2; $500 for Plan 3. You will "earn" an Annual Reward - $125 for Plans 1 and 2; $250 for Plan 3 - to carry over toward your annual maximum benefit the next year.

No Waiting Periods if enrolling after leaving a Group Plan

Ameritas dental plans offer previous group dental participants a waving of any waiting periods if they transition to one of their plans within 30-days. This is the only individual plan that does have this feature. If you are not transitioning from a group plan, they have waiting period of 6-months for minor work and 12-months for major dental work. There is no waiting period for preventive care on any plan.